Here in Sacramento County, most residential foreclosures go through what’s called a nonjudicial foreclosure, meaning the lender doesn’t file a lawsuit in court. Instead, it follows a set of steps written into California law, and the paperwork runs through a trustee, which is usually a title company working for the lender. The first formal step […]
HOA dues and foreclosure in California: what homeowners need to know
Here in Sacramento County, a lot of us live in HOAs, and the rules around unpaid dues are pretty specific. The Davis-Stirling Act is the main law that governs HOAs in California. In general terms, it sets up how associations collect assessments, how they notice you, and what they can and can’t do when you […]